97 Cumberland Ct, Frederick, MD 21702 Property Records

Frederick County property record for 97 Cumberland Ct, Frederick, MD 21702 · Last verified September 2023

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,312 sqft · built 1999
Lot Size	0.261 acres (11,404 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,619 (2023)
Deeds & Mortgages	Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-216558`

Property Details

APN / Parcel Number

Primary APN	`02-216558`
Alternative APNs	`2216558` `216558`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,312 sqft Total Area
1st Floor Area	1,072 sqft
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1999
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,404 sqft (0.261 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	216558
Old Parcel Number	2216558
Street Address	97 CUMBERLAND CT
City	FREDERICK
State	MD
Zip	21702-3155
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 175 PLAT 7 PHASE II-11,404 SQ. FT. WILLOW BROOK
Legal Subdivision	WILLOW BROOK
Legal Phase	2
Legal Lot Number	175
Jurisdiction	FREDERICK MD
Township / Civil Division	2, FREDERICK
Census Block Group	1
Census Block	1019
Census Tract	750701

Owner

Source: Frederick County records · APN 02-216558

Assessment roll updated July 1, 2023 · Last verified September 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	97 CUMBERLAND CT, FREDERICK, MD 21702-3155
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 29, 1999
Deed Sale	Nov 29, 1999
Prior Sale	Mar 19, 1999 · Amount on Record
Deed Document Number	997473
Deed Book / Page	02553 / 00807
Record Updated	Jun 07, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	97 CUMBERLAND CT, FREDERICK, MD 21702-3155
Document Number	0120380413
Book / Page	012038 / 000413
Instrument Date	Sep 06, 2017
Transaction Type	Mortgage
Record Updated	Nov 23, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	100 CUMBERLAND CT FREDERICK MD 217023101, FREDERICK, MD 21702-3101

Mortgage

Document Number	0120380413
Date	Sep 20, 2017
Book Page	012038/000413

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2047

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated July 1, 2023 · Last verified September 2023

Property Jurisdictions

Type	Name
State	Maryland
County	Frederick County
Municipality	Frederick City
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$6,619.00 Homeowner's exemption	$388,567	$475,700 Land $115,600 Building $360,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217507011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 2 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force 2 of 2 on primary residences

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Individually Listed	Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.